2025 Annual Report

Triangle Credit Union

Annual Report 2025

Our Core Values COMMUNITY We are actively involved in our communities by providing resources that promote engagement and success.

DIVERSITY We welcome all groups and individuals desiring to be part of our mission with the goal to build unity by embracing and supporting all cultures.

SERVICE We connect with our members and employees by respectfully committing to their needs while adhering to Service Strategies Standards.

As we embrace the exciting and transformative season of the new year, I want to take a moment to reflect on the impact we’ve made in 2025 while shaping a bright future for Triangle Credit Union and our members.

In 2025, we supported over 80 nonprofit organizations that, in one way or another, served the communities we support. While we focused on these efforts, we were faced with the longest government shutdown in US history. Credit unions nationwide identified financial options to support their members. Triangle proudly provided several solutions to assist our impacted members, including $30,000 in advance payments to members who did not receive government direct deposits, nearly $18,000 in short-term loans with no interest, and Skip-A-Pay options for members needing assistance with their existing loans.

These efforts reflect our identity as a credit union that balances progress with purpose. Every dollar, every volunteer hour, and every act of kindness strengthens the communities we serve—and that’s something we can all be proud of.

In mid-2025, we initiated our core system conversion, which is well underway and expected to launch in May 2026. This significant technological investment will make your transactions faster, more secure, and more convenient. The upgrades are designed with you in mind, ensuring that every interaction is seamless and efficient. While change takes time, the outcome will be a stronger, more innovative system that better supports your financial goals than ever before.

We are preparing for a year of deposit and loan growth in 2026, and early indicators show it is already shaping up to be a strong growth year. We’ve seen strong performance across both deposits and loans, reflecting the trust you show in us and the value we deliver every day.

This growth enables us to reinvest in technology, member services, and community initiatives that make a real difference.

Thank you for being part of our journey.

Together, we’re building a future that is technologically advanced, environmentally responsible, and deeply rooted in care and connection. Triangle is looking forward to continuing the momentum in 2026 and making a lasting difference in the communities we serve.

Sincerely, A. Scott MacKnight CEO/President

Scott MacKnight CEO, Triangle Credit Union

we supported more than 80 organizations and took part in signature events, including Nashua’s Multicultural Festival and SummerFun, Manchester’s Hope Recovery and Mahrajan, DerryFest, and Merrimack’s Hot Dogs to End ALZ. We also provided financial literacy education to more than 750 individuals, helping empower families and future generations with essential knowledge.

One of the most inspiring efforts of the year came from our annual “Thanks for Giving” campaign, which collected over 2,100 food items for local pantries such as Nashua Soup Kitchen & Shelter, Families in Transition, Sonshine Soup Kitchen, and the NH Food Bank.

Margo Compagna Board Chair, Triangle Credit Union In another year marked by economic uncertainty and rapid change, Triangle Credit Union remained a trusted source of stability, steady growth, and financial security for our members. Our commitment to our core values and the financial safety and soundness of our members continue to guide every decision we make. Thanks to disciplined planning and a dedicated team, Triangle once again demonstrated resilience and delivered meaningful value to the communities we proudly serve.

Our mission has always extended beyond financial services. Community engagement remains at the heart of who we are. In 2025,

AWARDS

Our commitment to excellence was further recognized through several industry honors.

Triangle was proud to receive distinctions, including the Union Leader Readers’ Choice: Best Mortgage Lender; The Telegraph Best of Nashua: Best Mortgage Lender and Financial Advisor; Greater Merrimack Souhegan Valley: Best Credit Union; and Best of 603: Best Credit Union and Wealth Management. These awards affirm the diligence, professionalism, and passion of our remarkable team.

To our members, staff, management team, Supervisory Committee, and Board—thank you for making 2025 a successful and memorable year. If the strong start to 2026 is any indication, we are well-positioned for continued growth, innovation, and community impact.

Sincerely, Margo Compagna Board Chair

On behalf of the Board of Directors, I am pleased to report Triangle Credit Union ended the fiscal year 2025 in a firm financial position as the hard work of restructuring the balance sheet in 2024 paid dividends in the form of higher earnings and a more robust net worth in 2025.

Loan originations in 2025 were $138.8 million. With inflation softening along with lending rates in 2025 we did see a boost in loan origination compared to 2024. We continued to serve our communities originating $33.7 million in residential mortgages. Home equity lines of credit (HELOC) grew by $3.1 million in 2025 through new originations and use of existing lines. Purchases of vehicles totaling $74 million represent an increase of 74% compared to 2024. Commercial lending remains strong with $16.2 million in originations. Overall, the credit union ended the year with Total Loans of $579 million, an increase of $4.4 million or 0.70% compared to the prior year.

Members took advantage of our higher yielding certificates of deposits, increasing balances in 2025 by $39.3 million. The Credit Union overall grew deposits by $16.6 million or 2.41%.

Total assets increased by $15.7 million even as the Credit Union diligently paid down $9 million in borrowings to make the balance sheet more efficient and versatile to changing economic and market rate outcomes. Net income for the year was just over $6.7 million as we restructured the balance sheet and reinvested lower yielding assets into higher yielding assets. Non-interest income increased from $6.6m in 2024 to $7.4m in 2025 mostly due to one-time items. Overhead expenses increased by $3.15m in 2025 as a concerted effort was made to invest in the future growth of the credit union.

The credit union maintained a low delinquency ratio of 0.52% and a charge-off ratio of 0.22% at year end. Both ratios are in line with industry standards if not slightly lower.

On behalf of the credit union, I would like to express my sincere thanks and appreciation to our elected officials, committee members, and volunteers for their dedication and support to the management team and our employees for their continued service to our members.

Respectfully submitted, David Fredette Treasurer

David Fredette Treasurer, Triangle Credit Union

The Supervisory Committee at Triangle Credit Union is tasked with performing and overseeing numerous audits. These reviews include audits and assessments of TCU’s practices, as well as a year-end examination of our books.

In the second quarter of 2025, we conducted our Biennial Verification of Accounts for all Triangle Credit Union (TCU) members. This completed the two-year member account verification cycle. A total of 22,800 statements were printed and mailed. Additionally, 28,830 electronic notifications were sent. Returned mail of memberships with a combined balance of $600 was reviewed for possible fraudulent transactions. I am pleased to report that the review findings were positive and there were no issues of note.

Oversight by federal and state regulators continues to increase as Triangle Credit Union grows. The accounting firm, Shatwell MacLeod & Company, conducts comprehensive internal audits throughout the fiscal year.

The Supervisory Committee tracks these

reports, and any findings and action items are reviewed by TCU’s Management Team.

I am proud to inform our members that TCU continues to perform in an exemplary manner.

Our annual financial records examination was conducted by Baker Newman Noyes. Their review found that we complied with generally accepted accounting principles and that our financial statements were correct.

We welcomed Issa Ansara to the Committee, filling Jack Monahan’s vacancy after his retirement last spring. Derek Danielson, a longtime member, was also named vice chair.

Much has been accomplished over the past year, thanks to the outstanding hard work of the TCU Management Team, our dedicated employees, and the tireless efforts of the TCU Board of Directors. The Committee wishes to thank them for their hard work and cooperation during the past year.

As chair, I thank the Supervisory Committee members for their commitment this year.

I assure our TCU members that we are dedicated to serving you and the credit union.

Respectfully, Ed Lecius, Chair Derek Danielson, Vice Chair Issa Ansara Richard Lavoie Mariana Silva

Ed Lecius Supervisory Commitee Chair, Triangle Credit Union

BALANCE SHEET - 5 YEAR HISTORY ASSETS

2021

2022

2023

2024

2025

OTHER LOANS

$242,420,691.43

$311,136,549.46

$239,925,209.91

$189,120,911.18

$175,042,488.29

FIRST MORTGAGES

$151,491,688.05

$175,625,299.85

$188,293,740.54

$191,595,722.13

$203,683,873.02

BUSINESS/COMMERCIAL LOANS

$91,139,238.43

$113,708,853.71

$120,422,580.11

$119,995,466.35

$123,676,711.36

SECOND MORTGAGES

$1,293,216.76

$1,073,500.25

$827,717.03

$518,342.43

$430,154.50

HOME EQUITY

$45,651,969.41

$60,306,182.55

$69,713,025.88

$73,392,973.23

$76,184,281.24

TOTAL LOANS

$531,996,804.08

$661,850,385.82

$619,182,273.47

$574,623,415.32

$579,017,508.41

LESS RES. FOR LOAN LOSSES

($2,291,083.18)

($2,656,975.53)

($2,354,272.66)

$(2,666,552.65)

$(2,918,110.16)

NET LOANS

$529,705,720.90

$659,193,410.29

$616,828,000.81

$571,956,862.67

$576,099,398.25

CASH: DUE FROM BANKS

$19,429.19

$72,029.07

$0.00

$-

$-

TELLER/VAULT CASH

$4,272,688.60

$4,632,291.90

$5,369,626.46

$5,866,796.83

$5,994,295.75

CHECKS IN PROC OF COLL.

$2,436,624.60

$2,296,852.99

$2,370,310.01

$1,944,410.46

$1,217,969.86

AGENCY & US SEC.

$165,689,952.31

$188,578,406.71

$176,098,747.14

$149,052,681.96

$167,460,092.69

CORPORATE & FHLB

$127,533,269.97

$13,585,458.27

$19,514,124.46

$70,380,590.45

$64,690,788.64

INVESTMENTS:

SAVINGS. CERTIFICATES

$9,574,082.16

$7,104,195.72

$3,990,212.49

$281,914.99

$281,914.99

CORPORATE BONDS & EQUITIES

$3,572,056.21

$3,593,133.66

$3,629,306.84

$3,660,946.28

$3,041,887.19

TOTAL INVESTMENTS

$306,369,360.65

$212,861,194.36

$203,232,390.93

$223,376,133.68

$235,474,683.51

PREPAID EXPENSES

$4,475,900.63

$4,011,978.24

$3,759,766.30

$5,485,906.08

$5,538,905.98

ACCRUED INCOME

$1,378,929.80

$2,119,599.05

$2,386,881.76

$2,562,132.62

$2,539,951.37

FIXED ASSETS

$10,776,449.60

$10,419,277.76

$10,480,525.96

$10,358,165.47

$10,299,323.57

NCUA INS. FUND

$6,705,324.93

$6,731,742.53

$6,131,953.45

$6,161,895.52

$6,307,661.63

OTHER ASSETS

$11,104,732.68

$14,570,028.96

$15,207,321.86

$14,912,462.29

$15,121,202.17

PROPERTY IN PROCESS OF LIQ. TOTAL ASSETS

$34,887.98

$43,602.53

$37,695.37

$327,678.10

$82,770.00

$877,280,049.56

$916,952,007.68

$865,804,472.91

$842,952,443.72

$858,676,162.09

$1,412,380.72

$6,369,003.01

$7,100,309.31

$5,302,008.55

$4,665,004.35

LIABILITIES ACCOUNTS PAYABLE TAXES PAYABLE

$37,346.67

$35,042.48

$44,298.26

$41,452.48

$35,746.11

BILLS PAYABLE

$1,040,328.25

$972,446.95

$618,359.91

$944,320.55

$789,998.94

BORROWED FUNDS

$60,450,000.00

$153,450,000.00

$131,339,936.52

$82,054,798.05

$73,092,059.75

OTHER LIABILITIES

$3,583,500.23

$3,646,292.49

$3,188,389.17

$3,617,071.32

$3,468,332.98

DEPOSITS: SHARE DRAFTS

$89,885,374.95

$91,029,776.81

$88,497,584.61

$91,612,337.08

$92,819,556.02

IRA'S

$36,110,306.37

$31,240,277.22

$31,272,070.66

$30,611,078.72

$29,962,921.03

CERTIFICATES

$133,120,617.12

$125,787,867.26

$184,822,145.80

$210,091,367.96

$233,659,011.29

REGULAR SHARES

$318,270,132.12

$312,717,192.95

$260,417,469.14

$248,515,905.46

$250,958,146.08

MONEY MARKET

$106,952,562.09

$77,293,181.75

$45,446,847.92

$43,908,139.19

$37,251,224.90

BUSINESS ACCOUNTS

$67,531,626.03

$67,221,858.96

$58,476,164.72

$62,375,055.50

$59,056,120.22

TOTAL SHARES

$751,870,618.68

$705,290,154.95

$668,932,282.85

$687,113,883.91

$703,706,979.54

CAPITAL: REGULAR RESERVE

$8,198,842.64

$8,198,842.64

$8,198,842.64

$8,198,842.64

$8,198,842.64

UNDIVIDED PROFIT

$54,530,868.46

$56,521,420.42

$57,508,542.71

$59,267,994.08

$65,985,783.13

UNREALIZED GNS/LSS ON INVEST.

$1,373,756.91

($12,294,687.26)

($5,881,554.46)

$(456,020.86)

$650,872.65

UNREALIZED PENSION OBLIGATIONS

($5,217,593.00)

($5,236,508.00)

($5,244,934.00)

$(3,131,907.00)

$(1,917,458.00)

TOTAL CAPITAL

$58,885,875.01

$47,189,067.80

$54,580,896.89

$63,878,908.86

$72,918,040.42

TOTAL LIABILITIES & CAPITAL

$877,280,049.56

$916,952,007.68

$865,804,472.91

$842,952,443.72

$858,676,162.09

PROFIT & LOSS STATEMENT - 5 YEAR HISTORY 2021

2022

2023

2024

2025

INTEREST ON LOANS

$20,917,232.30

$21,014,387.59

$27,264,792.78

$29,771,211.89

$32,301,640.65

INCOME FROM INVESTMENTS

$830,416.82

$2,237,672.34

$2,914,416.24

$5,017,830.20

$9,285,675.24

SHARE DRAFT FEES

$1,201,506.59

$1,497,081.60

$1,596,149.49

$1,574,348.27

$1,661,390.56

DEBIT CARD/ATM FEES

$3,318,890.21

$3,453,562.93

$3,220,760.14

$3,022,607.59

$2,918,157.53

ACCOUNT MAINTENANCE FEES

$512,591.70

$506,741.44

$1,731,167.88

$472,027.98

$456,120.90

OTHER FEE INCOME

$1,477,450.66

$1,418,238.44

$1,522,319.24

$2,403,148.98

TOTAL OPERATING INCOME

$28,258,088.28

$30,127,684.34

$37,204,564.27

$41,380,345.17

$49,026,133.86

COMPENSATION

$9,751,057.28

$10,392,557.69

$9,817,408.57

$9,828,095.97

$10,936,822.44

EMPLOYEE BENEFITS

$3,297,020.54

$3,555,931.36

$3,722,745.45

$2,389,533.72

$2,446,305.72

TRAVEL AND CONFERENCES

$82,089.27

$132,892.51

$185,218.66

$112,717.19

$198,134.29

ASSOCIATION DUES

$56,198.64

$61,281.10

$62,487.96

$63,962.48

$65,085.55

OFFICE OCCUPANCY EXPENSES

$1,691,335.96

$1,718,961.25

$1,793,820.81

$1,714,363.37

$1,789,682.06

OFFICE OPERATIONS EXPENSES

$5,501,294.21

$5,887,387.63

$5,451,545.07

$5,607,692.22

$6,381,760.31

ADVERTISING & PROMOTION EXPENSES

$213,332.48

$267,613.28

$262,397.41

$256,707.28

$339,697.64

LOAN SERVICING EXPENSES

$367,735.13

$377,632.86

$337,525.56

$478,865.50

$501,571.62

PROFESSIONAL AND OUTSIDE SERVICES

$586,196.01

$555,329.73

$1,451,796.52

$1,620,234.53

$2,494,790.58

PROVISION FOR LOAN LOSSES

($102,420.11)

$799,800.00

$409,934.00

$1,555,127.08

$1,619,856.96

FED. SUPERVISION & EXAMS

$275,846.53

$213,350.01

$175,487.10

$215,288.54

$270,704.23

CASH OVER AND SHORTS

$2,446.44

$8,017.86

$5,477.72

$(13,178.79)

$14,336.25

ANNUAL MEETING EXPENSES

$100.00

$0.00

$0.00

$-

$-

MISC OPERATING EXPENSES

$144,145.52

$83,208.96

$50,470.04

$102,505.04

$152,398.27

FASB 91 ORIGINATION COST

($535,546.84)

($514,366.44)

($226,227.36)

$(209,372.44)

$(269,500.08)

TOTAL OPERATING EXPENSES

$21,330,831.06

$23,539,597.80

$23,500,087.51

$23,722,541.69

$26,941,645.84

INCOME (LOSS) FROM OPERATIONS

$6,927,257.22

$6,588,086.54

$6,588,086.54

$17,657,803.48

$22,084,488.02

GAINS (LOSSES) ON INVESTMENTS

($3,395.70)

$76.19

($147,632.44)

$-

$-

GAINS (LOSSES) ON DISP. OF ASSETS

$108,404.32

$10,859.49

$2,487.61

$(32,699.97)

$(133,396.89)

GAINS (LOSSES) ON SALE OF MORTGAGES

$764,682.21

$0.00

$0.00

$-

$-

$0.00

$0.00

$0.00

$-

$-

TOTAL NON-OPERATING GAINS (LOSSES)

$1,553,602.68

$10,935.68

($145,144.83)

$(32,699.97)

$(133,396.89)

INCOME (LOSSES) BEFORE DIVIDENDS

$8,480,859.90

$6,599,022.22

$13,559,331.93

$17,625,103.51

$21,951,091.13

INTEREST ON BORROWED FUNDS

$1,312,948.65

$1,857,935.74

$4,718,580.33

$3,879,191.86

$3,059,255.66

DIVIDENDS

$3,815,576.77

$2,750,534.52

$7,853,629.31

$11,986,460.28

$12,174,046.42

NET INCOME (LOSS)

$3,352,334.48

$1,990,551.96

$987,122.29

$1,759,451.37

$6,717,789.05

INCOME

OPERATING EXPENSES

NON-OPER. GAINS (LOSSES)

NCUA IMPAIRMENT/ASSESSMENT FEE EXPENSES ON O.R.E.O.

KEY OPERATING STATISTICS - 5 YEAR HISTORY 2021

2022

2023

2024

2025

National Ave as of Q3 2025

LOAN DELINQUENCY RATIO

0.2%

0.2%

0.4%

0.39%

0.52%

0.82%

YIELD ON AVERAGE LOANS

3.8%

3.5%

4.3%

4.99%

5.60%

5.90%

YIELD ON AVERAGE INVESTMENTS

0.3%

0.9%

1.4%

2.35%

4.05%

3.84%

RETURN ON INCOME/AVERAGE ASSETS

3.3%

3.4%

4.2%

4.82%

5.78%

6.23%

COST OF FUNDS/AVERAGE ASSETS

0.6%

0.5%

1.4%

1.86%

1.79%

1.74%

GROSS SPREAD

2.7%

2.8%

2.8%

2.96%

3.99%

4.49%

OPER. EXPENSES/AVERAGE ASSETS

2.5%

2.6%

2.6%

2.57%

2.99%

3.35%

NET INCOME/AVERAGE ASSETS

0.4%

0.2%

0.1%

0.21%

0.79%

0.73%

CAPITAL/ASSETS (NET)

7.0%

5.4%

6.6%

7.99%

8.63%

11.24%

DEPOSIT GROWTH (%)

7.0%

-6.2%

-5.2%

2.78%

2.40%

5.36%

LOANS

74.0%

69.7%

73.3%

71.95%

65.89%

68.24%

INVESTMENTS

2.9%

7.4%

7.8%

12.13%

18.94%

13.91%

ALL OTHER

23.0%

22.8%

18.9%

15.92%

15.17%

17.85%

CD'S / TOTAL DEPOSITS

17.7%

17.8%

27.8%

30.57%

33.21%

28.99%

IRA'S / TOTAL DEPOSITS

4.8%

4.4%

4.7%

4.45%

4.26%

4.34%

CHECKING / TOTAL DEPOSITS

12.0%

12.9%

13.2%

13.33%

13.19%

19.23%

SAVINGS / TOTAL DEPOSITS

42.3%

44.3%

38.9%

36.17%

35.66%

27.87%

MONEY MARKET / TOTAL DEPOSITS

14.2%

11.0%

6.8%

6.40%

5.29%

17.66%

BUSINESS DEPOSITS / TOTAL DEPOSITS

9.0%

9.5%

8.7%

9.08%

8.39%

1.91%

SOURCES OF INCOME % OF TOTAL

DEPOSIT MIX

BOARD OF DIRECTORS

Margo Compagna

Robert Demers

Mark Richardson

Rebecca MacLennan

David Fredette

Chair

1st Vice President

2nd Vice President

Secretary

Treasurer

David Degulis

Bob Duhaime

Amanda Martinez

Mariana Silva

Adeel Tahir

Director

Director

Director

Committee Member

Director

SUPERVISORY COMMITTEE

Ed Lecius

Derek Danielson

Richard Lavoie

Issa Ansara

Yassir Mahmood

Chair

Committee Member

Committee Member

Committee Member

Committee Member

TRIANGLE FINANCIAL GROUP

Brian Luce

Jeff Mayer

Paola Gutierrez

AJ Lemarier

Kelley Brown

VP Triangle Financial Group

Financial Advisor

Licensed Insurance Agent

Financial Planner

Office Practice Manager

SENIOR MANAGEMENT

A. Scott MacKnight

Mark Palermo

Rebecca Thomas

Lisa Van Biene

John Ziemba

CEO/President

Chief Financial Officer

Chief Marketing Officer

Chief Operating Officer

Chief Lending Officer

Jose Rivera Hernandez

Lisa Reeder

Karin Taylor

SVP Information Technology

SVP Compliance

SVP Human Resources

Lana Dal Molin

Roxanne Nelson

Ryan Ruggiero

Muhammad Ali

Terri Connolly

VP of Community Outreach and Sales

VP of Mortgage Lending

VP Contact Center & Operations

AVP Consumer Lending

Michelle Ducharme

Ivan Rochford

AVP Member Experience Management

AVP Information Technology

Marcel Sanchez

AVPs & VPs

AVP Branch Operations

AVP of Marketing

MANAGEMENT

Kim Adrian

Lyn Anderson

Branch Manager Elm St., Manchester, NH

Kathleen Card

Steve Chamberland

Shanna Delorey

Accounting Manager

Lori Hamilton

David Helie

Samantha Herod

Allison Heron

Operations Manager

Seana Hill

Project Manager

Angela Johnson

Kevin Shepherd

Chelsea Trombly

Lisa Ward

Branch Manager Windham Rd., Derry, NH

Branch Manager DW Hwy, Merrimack, NH

Facilities Manager

Branch Manager Route 101A, Amherst, NH

H.R. Manager

Collections/Loan Servicing Manager

Commercial Services Manager

Branch Manager Candia Rd., Manchester, NH

Branch Manager DW Hwy, Nashua, NH

Branch Manager Franklin St., Nashua, NH

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Community Events

Community Involvement “The smallest act of kindness is worth more than grandest intention.” - Oscar Wilde Our employee volunteerism and support toward our Community Outreach endeavors made it possible for Triangle Credit Union to assist at twenty-eight events within the towns we serve, totaling three-hundred-eighty volunteer hours in 2025.

On behalf of Triangle’s leadership team, I’d like to thank our staff, whose spirit and energy toward our commitment to the community help drive opportunities for our members and their families.

With gratitude, A. Scott MacKnight, CEO / President

Photos taken and provided by Jana Gemelli

Supporting Our Communities Donations & Sponsorships in 2025 Triangle Credit Union is a proud sponsor of over 80 community initiatives and organizations in 2025. Some of these include: • Boys & Girls Club of Nashua • Salvation Army • Upper Room • Hope Recovery • City Year

Angel Tree Tag Angel Tree is an outreach of The Salvation Army of Greater Nashua.

In 2025, the Angel Tree Tag program assisted over 1,100 families in need of additional support during the holiday season.

Financial Literacy Triangle Credit Union spent 108 hours at 23 organizations including: • Nashua Adult Learning Center • Merrimack Public Library • Boys & Girls Club of Souhegan Valley • Girls Inc • Manchester Senior Center

A Credit Union Made for You,

By You. Triangle Credit Union’s mission and vision is “to identify our existing and potential member needs and to meet those needs through progressive, cost-efficient products and services, while maintaining a strong financial position.”

Triangle is making this vision a reality by developing products and services that address our members’ personal and business needs. The Credit Union realizes that member satisfaction is vital. As the credit union grows, Triangle will continue to look toward the latest technology, modern facilities, and well-trained human resources as a means of delivering the high-level of member satisfaction that has been the cornerstone of the credit union’s reputation for 80 years.

trianglecu.org • (603) 889-2470 Federally Insured By NCUA Equal Housing Opportunity • NMLS #528721 Amherst • Derry • Manchester • Merrimack • Nashua